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Help me pay my bills

Established Member

Re: Help me pay my bills

Thanks y'all. Sorry I had to dig to find my post Smiley Happy

 

I can definitely pay them off which is what I'd prefer because having 4 open CC's to me is just asking for trouble (although I write down due dates in my calendar - I tend to say "Oh I'll pay it when I get home and jump on the computer - that leads me to FB, Twitter, Pinterest and before I know it... I'm in bed thinking "Crap I forgot to make the payment"

 

Also one of the questions was if we are AU on each other accounts.  I actually added him to my VS yesterday. I told him to add me to his WM and CU Mastercard last night... Is that still a good thing? Or don't do it.

 

Just to verify I should go ahead and pay all 4 cards off? What about the Fingerhut accounts?

 

I can't thank you all enough for being so gracious enough to answer post after post.

My Scores:
Equ: 575 (11.2011) 631 (09.2012) 646 (12.2012) 652 (01.2013)
Exp: 524 (11.2011) 573 (09.2012) 633 (12.2012) 629 (01.2013)
TU: 520 (11.2011) 601 (09.2012) 636 (12.2012) 641 (01.2013)
My Husband:
Equ: 530 (11.2011) 584 (09.2012) 600(12.2012) 599 (01.2013)
Exp: 529 (11.2011) 590 (09.2012) 621 (12.2012) 616 (01.2013)
TU: 550 (11.2011) 608 (09.2012) 629(12.2012) 626 (01.2013)
Message 21 of 23
Blogger

Re: Help me pay my bills

I would definitely pay off all balances. Only add an AU if you have low utilization, if the intention is to help the other person's credit profile. Smiley Happy

 

Message 22 of 23
Established Member

Re: Help me pay my bills

Thank you.

 

We can definitely manage - we were advised by our lender to apply for a credit card (after working with a credit repair agency)  each to give our scores that nudge it needed to qualify for a VA loan.

 

So in reality he should keep his WM at 0, CU Mastercard at less than 9% and myself keep VS at less than 9% (I use it for my bath & body works hand soaps and sanitizers) and Capital One at 0.

 

Oh and to previous poster the cards are new like less than 2 months new.

My Scores:
Equ: 575 (11.2011) 631 (09.2012) 646 (12.2012) 652 (01.2013)
Exp: 524 (11.2011) 573 (09.2012) 633 (12.2012) 629 (01.2013)
TU: 520 (11.2011) 601 (09.2012) 636 (12.2012) 641 (01.2013)
My Husband:
Equ: 530 (11.2011) 584 (09.2012) 600(12.2012) 599 (01.2013)
Exp: 529 (11.2011) 590 (09.2012) 621 (12.2012) 616 (01.2013)
TU: 550 (11.2011) 608 (09.2012) 629(12.2012) 626 (01.2013)
Message 23 of 23